Medical Insurance - Your Well-Being Is Our Priority
Miami Specialty Risk Medic Guard Health Insurance is 100% underwritten by certain underwriters at Lloyd's. This means that our coverage is backed by the financial strength of Lloyd's £2 billion solvency position which has been given top ratings by A.M. Best, Fitch, and Standard & Poor's. Lloyd's is the world's leading specialist insurance market and is a trusted name in more than 200 countries and territories.
Medic Guard Health Insurance is built around the idea of getting you the best medical care. We provide immediate impact from initial diagnosis, regardless of the level of coverage you choose for your company. Not only do we help you navigate the healthcare system - we negotiate denials of claims, hospital & medical bills with added Dental & Vision Advocacy. We give you the confidence to articulate wishes, concerns and questions with your own treating physician. Essentially, we become your employee's healthcare advocate.
Benefit Highlights
Additional Benefits - In and out of the hospital
- Any Medical Treatment, Medical Equipment, or Medical Supplies Recognized By The American Medical Association.
- Private duty nursing 24 hours when ordered by attending physician.
- Physician, assistant surgeon up to 20% of surgeon`s fee, medication, x-ray and laboratory services.
- Blood & Blood Plasma.
- Physiotherapy & Hydrotherapy.
Calendar
Premiums are based on the elder of the household, and are prorated according to the date of birth. Premiums increase due to:
Age advance
Inflation
General claims experience adjustments
Fee In Addition To The First Premium Period
Fee In Addition To The First Premium Period
The fee will be $100.00 per individual to be covered under the plan. This amount is to cover the cost of medical exams and retail credit investigation. In the event the coverage applied for is denied, the applicant forfeits this underwriting fee.
Payment Method
Premiums are payable in advance for the remainder of the calendar year premium period in which coverage is issued.
Exclusions
- PRE-EXISTING or congenital conditions.
- Fertility Treatments
- Routine physical check ups.
- Cosmetic surgery for any reason.
- Psychological or psychiatric treatment and its medications.
- Non prescription or over the counter medication.
- Hearing aids.
- Acupuncture.
- Alcohol or drug addiction.
- Acts of war - declared or undeclared.
- Self inflicted injuries or suicide.
- Expenses incurred after termination of coverage.
- Dental
- Purchase or rental of: Air conditioners, Air purifiers, motorized transportation equipment, escalators or elevators, general exercise equipment, swimming pools or supplies and attachments therefore in private homes or place of business.
- Taxes, shipping, handling, procuring or other non-medical charges billed in conjunction with a covered medical service or supply.
- Examination of the eyes to prescribe eyeglasses or any other corrective device.
- Services which are provided free of charge or not recommended by a physician.
- Experimental medicine or services or provisions not specified or included in the policy.
- Long term medical care (person unable to manage personal hygiene or feed themselves)
- Epidemics & natural disasters.
- Preventive care or treatment.
- Childbirth by subscriber’s dependent child or by subscriber if under individual plan 12 months prior to childbirth.
- Hazardous sports, i.e. professional or semi-professional sports competitions, skydiving, scuba diving, racing with equipment of any kind, etc.
- Refer to policy for complete list of exclusions.
Eligibility
- Non U.S. Citizen or Non Green Card Holder at the time of application
- Must not be older than 52 at the time of application
- Excellent Health Status- No Chronic or Major Illness will be considered.
Three easy ways to find out more:
- Contact one of our licensed professional agents in the U.S.
- Inside the U.S. Call us at 1 (866) 729-1274
- Outside the U.S. Call 001-561-479-4377
How to obtain coverage
- Complete an application.
- Submit to a medical examination for all dependents to be insured (dependents include your spouse and unmarried children under the age of 25 who are full time students and financially dependent on you for their support).
About Us
At Miami Specialty Risk we strive to provide U.S. based medical benefits and coverage to foreign nationals, including worldwide coverage. This distinguishes us from other international plans. We provide pharmacy and network cards to insured without having to pay for lion share of benefits out of pocket and wait to be reimbursed in the U.S. for such expenses as doctor visits, prescription medication, outpatient procedures, and more.
Medic Guard
Medic Guard
In a world that is getting smaller everyday, having a health insurance plan that works where you work, lives where you live, and takes care of you need it the most, is invaluable. With the Medic Guard Plan you have no boundaries, no borders.
Why Miami Specialty Risk?
Why Miami Specialty Risk?
We, at Miami Specialty Risk pride ourselves in providing one of the industry’s leading turnaround times for payment of claims directly to providers.
- Lloyds of London A.M. Best A “Excellent” rating
- Beech Street Network Access
- $0 Deductible Plans
- 100% In Hospital Coinsurance on all plans
